3382 Willow StCottonwoodCA96022
INVESTMENT ANALYSIS
Investment Verdict
Solid Income3382 Willow St, Cottonwood, CA, 96022 in Cottonwood is a solid income-producing rental, 9.17% gross yield, $2,560/mo rent, $487/mo net cash flow on a $335,000 buy. DSCR 1.70 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $92,554 and $3,085/yr in principal reduction project a total cumulative return of $158,461.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $487 | $300 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,560 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 1.32x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2014
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96022, Cottonwood, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,867 (100%) |
| Owner Occupied HU | 4,923 (71.7%) |
| Renter Occupied HU | 1,368 (19.9%) |
| Vacant Housing Units | 576 ( 8.4%) |
| Median Home Value | $434,730 |
| Average Home Value | $463,146 |
Housing Distribution
Address Breakdown
Residential
6,066
Single Family
6,066
Multi-Family
0
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2014
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96022, Cottonwood, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,867 (100%) |
| Owner Occupied HU | 4,923 (71.7%) |
| Renter Occupied HU | 1,368 (19.9%) |
| Vacant Housing Units | 576 ( 8.4%) |
| Median Home Value | $434,730 |
| Average Home Value | $463,146 |
Housing Distribution
Address Breakdown
Residential
6,066
Single Family
6,066
Multi-Family
0
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Aimee Toso • eXp Realty of California, Inc.
Mls Name: SMLS
Mls ID: #25-3520